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[0:23]Hamara pehla question hai IDBI Bank is a. Options A hai Central Bank, options B hai Development Bank, options C hai Public Sector Bank, options D hai Private Sector Bank. Yahan par correct answer ho jayega D Private Sector Bank. Next question hai. Urban Cooperative Banks are working. Options A hai as a private sector bank, options B hai on standalone basis, options C hai to provide banking services to a limited specified sector of its operational area, options D hai as a subsidiary of state cooperative banks. Yahan par correct answer ho jayega B on standalone basis. Next question hai. Check Truncation System helps. Options A hai in preventing its fraudulent use, options B hai in improving the efficiency of the check clearing cycle, options C hai in proper maintenance of check issuance/payment records, options D hai none of the above. Yahan par correct answer ho jayega B in improving the efficiency of the check clearing cycle. Next question hai. A scheduled bank enjoys certain special status which include. First option hai availing refinance factors from RBI, second hai becoming member of the clearing house, third hai having currency chest facility. So select the most appropriate options from the among the following. Yahan par aapko correct answer select karna hai. Options A hai first and second only, options B hai first, second and third only, options C hai second and third only, options D hai first and third only. Yahan par correct answer ho jayega B first, second and third. Yahan par jo teeno options diya hai correct hai. Next question hai. Retail Direct G-Lit account is open area under Retail Direct Scheme. Options A hai with a commercial bank, options B hai with Securities Corporation of India, options C hai with RBI, options D hai none of the above. Yahan par correct answer ho jayega C with RBI. Next question hai. The premium for deposit insurance. Options A hai is borne by the Central Government, options B hai is debited to the depositor's account on annual basis, options C hai is borne by the RBI, options D hai is borne by the respective banks. Yahan par correct answer ho jayega D is borne by the respective banks. Next question hai. In the process of remittances under Immediate Payment Service (IMPS) across banks, the players are First diya hai remitter, second hai beneficiary, third diya bank, and fourth hai National Financial Switch. So the select the most appropriate options from among the following.
[3:06]Options A hai second, third and fourth only, options B hai first, second and third only, options C hai first, second, third and fourth, options D hai first, third and fourth only. So yahan par correct answer ho jayega C first, second, third and fourth, charo jo options diye hain wo correct hain. Next question hai. Banks are at a time required to freeze the term deposits of its customer on the order of enforcement authorities and the term deposits matures. In such cases the bank will. Options A hai renew the term deposit without the request of the depositor, options B hai ask the depositor to send a request for its renewal on maturity and renew it, options C hai transfer the amount to deposit at call account, options D hai not take any action on its maturity until the enforcement authorities releases the amount. So yahan par correct answer ho jayega B ask the depositor to send a request for its renewal on maturity and renew it. Next question hai. A savings bank deposit account has been opened in the joint names of A and B with the operating instructions of Former or Survivor. The account can. Options A hai be operated by A and B both, options B be operated by A only till he is alive, options C hai not be operated by A when B instructs the bank to stop operations in the bank, options D hai be operated by legal heirs of A and B jointly if A dies. So yahan par correct answer ho jayega A be operated by A and B both. Next question hai. The outstanding credit balance in "Small Accounts" should not be more than Rs. Options A hai 25,000, options B hai 50,000, options C hai 75,000, options D hai 1,00,000. So the correct answer is B 50,000. Next question is. When a money launderer introduces illegal profits (dirty money) into a financial system, it is called. Options A is Layering, options B is Integration, options C is Placement, options D is Conversion. So the correct answer is C Placement. Next question is. While opening saving bank account of a Self-Help Group (SHG), a bank is required to do Customer Due Diligence of dash. Options A is all the office bearers only, options B is all the members of the group, options C is all the office bearers at the time of credit linking of SHG, options D is all the members of the group. So the correct answer is A all the office bearers only. Next question is. Periodic updation of KYC is done at least once in dash from the date of opening/last updation in the case of medium risk customers. Options A is 2 years, options B is 3 years, options C is 5 years, and options D is 8 years. So the correct answer is D 8 years. Next question is. An FDR has been issued in the name of R and S with the operating instructions of Former or Survivor. R has died, now S wants its premature payment. The bank will dash. Option A is refuse to its payments to S, options B is make payment, options C is make payment to S with the concurrence of legal heirs of R, options D is make payment to S and legal heirs R jointly if the legal heirs of R produce succession certificate. So the correct answer is C make payment to S with the concurrence of legal heirs of R. Next question is. Banks levy charge for sending "SMS" alerts to customer it dash. Option A is not permitted by RBI, option B is ambiguous as RBI is silent on this issue, option C is permitted without any ceiling on it, option D is permitted by RBI if charged on actual usage basis. So the correct answer is D is permitted by RBI if charged on actual usages basis. Next question is. The Ombudsman under the integrated ombudsman scheme is dash. Option A is a quasi-judicial authority, option B is appointed for a period not exceeding two years at a time, option C is empowered to pass an award directing payment by way of compensation of an amount which is not more than the consequential loss suffered by the complainant rupees 10 lakh whichever is lower. Option C is is permitted by RBI if charged on actual usage basis. So here is the correct answer is A a quasi-judicial authority. Next question is. The dispute between the bank and the customer that can be brought before the ombudsman may be dash. Option A is not more than the value of Rs. 50,000, option B is not more than the value of Rs. 1 lakh, option C is of an any amount, option D is not more than the value of Rs. 5 lakh. So here is the correct answer is C of an any amount. Next question is. An account will be treated as Non-performing Asset (NPA) if it remains irregular for dash. Option A is two crop seasons in agricultural loans which have been extended for short duration crops, option B is 90 days in all types of agricultural loans, option C is 180 days in all types of indirect agricultural loan accounts, option D is two crop seasons in all types of agricultural loan. So here the correct answer is A two crop season in agricultural loan which has been extended for short duration crops. Next question is. A customer's day should be observed at every bank. In this connection, select the correct statement from the following in respect of customer's day. Option A is customer service committee at the branch has the responsibility of noting down all the complaints, option B is it is observed on 5th of every month, option C is a customer can meet the managing director of the bank on customer's day with prior appointment, option D is the branch manager should be available for customers in his office on that day between 2 p.m. to 4 p.m. So the correct answer is D the branch manager should be available for customers in his office on that day between 2 p.m. to 4 p.m. Next question is. Escalation matrix is used in complaints it is. Option A is a tool used by regulated entities to manage the escalation process, option B is used when the complaints is of a serious nature, option C is used by ombudsman level when he is unable to solve the issue of complaints, option D is a procedure to segregate the complaints subject-wise at the receiving level. So the correct answer is A a tool used by regulated entities to manage the escalation process. Next question is. The definition of financial inclusion currently used includes delivery of financial services. Which of the following is not a feature of the delivery of financial services? Option A is by the informal as well as formal financial system, option B is at an afford cost, option C is to vast section of disadvantaged and low-income group, option D is the services include provision of saving loans, insurance, payment and remittance facilities. So correct answer is A by the informal as well as formal financial system is not included in the feature of delivery of financial services. Next question is. It is not expected that the business correspondent or business facilitators will perform the role of a dash to a people residing in its operational area. Option A is companion, options B is Government representative, options C is philosopher, options D is guide. So the correct answer is B Government representative. Next question is. A business facilitator will undertake the activities which include. First hai Credit counseling, second is promotion and nurturing Self-Help Groups or Joint Liability Groups, third is follow-up of recovery, fourth is educating people when advising them on money. So select the most appropriate options from among the following. First option is third and fourth only. Second option is first and second only. Third is second, third and fourth only. Fourth is first, second, third and fourth. So here correct answer is D first, second, third and fourth. Next question is. The basic services which are provided by the Business Correspondents (BCs) do not include dash. Option A is providing training under govt. sponsored schemes, options B is small value payment and remittances, option C is rural credit disbursements, option D is delivery of saving and insurance product. So the correct answer is A providing training under govt. sponsored schemes. Next question is. The Kisan Credit Card beneficiaries can be issued dash compatible for use in ATM/hand-held swipe machine. Options A is smart card, option B is debit card, option C is general credit card, options D is any of A and B or both. So the correct answer is D any of A and B or both. Next question hai the Kisan Credit Card beneficiaries can be issued dash compatible for use in ATM/hand-held swipe machine. Kisan Credit Card ke labhartiyon ko ATM/hand-held swipe machine par upyog ke liye dash jayi kiya ja sakta hai. Yahan par correct answer hoga D any of A and B or both. A aur B mein se dono ya fir koi ek jayi kiya ja sakta hai. Next question hai if the outsourcing bank fails to implement appropriate oversight with regard to the activities out-sourced to the business correspondent and its sub-agents, it is termed as dash. Yadi bahri theka (outsourcing) bank business correspondent aur uske up-ejento ko out-source ki gay gatividhiyon ke sambandh mein uchit nireekshan lagu karne mein vifl rehta hai, to ise dash kaha jata hai. Yahan par correct answer hoga C Strategic Risk, Karynitik Jokhim. Next question hai if a business correspondent does not comply with confidentiality aspects and related privacy laws it is called dash. Yadi koi business correspondent gopaniyata pehluon aur sambandhit gopaniyata kanono ka anupalan nahi karta hai to ise dash kaha jata hai. Yahan par correct answer ho jayega B Compliance Risk Anupalanatmak Jokhim. Next question hai who among the following customer is not eligible for availing the benefits of Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY). Nimnalikhit mein se kaun grahak Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) ka labh uthane ke liye patra nahi hai. Yahan par correct answer hoga A customer at the age of 16 years, 16 varsh ki umra ka grahak. Next question hai if an account holder gets enrolled voluntarily through electronic means, then dash. Yadi koi khatedharak electronic madhyam se swakshik rup se namankit ho jata hai toh dash. Yahan par correct answer ho jayega A the commission payable to the business correspondent will be deducted from the total premium and thus the account holder saves this amount. Business correspondent ko de commission ko kul premium se kam kar diya jayega aur is prakar khatadharak ko yeh rashi bach jayegi. Next question hai Pradhan Mantri Jeevan Jyoti Bima Yojana is an dash. Pradhan Mantri Jeevan Jyoti Bima Yojana ek dash hai. Yahan par correct answer ho jayega A Term Life Insurance Policy. Next question hai Atal Pension Yojana (APY) is mainly focused on the workers of dash. Atal Pension Yojana (APY) mukhya rup se kaun se shramikon par kendrit hai. Yahan par correct answer ho jayega A unorganized sector asangathit kshetra. Next question hai Pradhan Mantri Jan Dhan Yojana (PMJDY) has in-built accidental insurance cover of Rs 2 lakh which is called dash. Pradhan Mantri Jan Dhan Yojana (PMJDY) mein 2 lakh rupaye ka antarnihit durghatna bima cover hai jo dash ke sath link hai. Yahan par correct answer hoga D with RuPay card and managed by NPCI. NPCI dwara prabandhit RuPay card ke sath. Next question hai when NFC technology is included in a mobile phone dash. Yadi mobile phone mein NFC takneek hai toh iska arth hai ki to iska correct answer ho jayega B it can be enabled remittance to any customer of any bank. Yah kisi bhi bank ke kisi bhi grahak ko dhan preshan sachham bana sakta hai. Next question hai which one of the following is incorrect in case of Near Field Communications (NFC) mobile contactless card technology? Near Field Communication (NFC) mobile contactless card takneek ke mamle mein nimnalikhit mein se kaun sa galat hai? Yahan par correct answer ho jayega A Debit or Credit card cannot be used for transactions. Debit ya credit card ka istemal len-den ke liye nahi kiya ja sakta. Jabki yadi NFC mobile technology yadi add kiya gaya hai toh wahan par hum debit ya credit card ka use kiya ja sakta hai. Kyunki yahan par pucha gaya hai kaun sa galat hai isliye options A jo hai wah wrong hai. Next question hai in the case of white label ATMs. White label ATM hai. Yahan par correct answer ho jayega A they are those which are set up, owned and operated by non-banks. Ve hote hain jinki sthapna, swamitv aur sanchalan gair bankon ke pas hota hai, ve white label ATM hote hain. Next question hai Pink Label ATM. Pink Label ATM hai. Yahan par correct answer ho jayega D are dedicated to promote banking transactions by women. Mahilaon dwara banking len-den ko badhava dene ke liye samarpit hai.
[19:00]Next question hai in the case of charge card, payment is made by the user. Charge card ke mamle mein bhugtan upyog karta dwara dash kiya jata hai. Yahan par correct answer ho jayega A at one go, ek bar mein. Next question hai if an account holder uses ATM card and his account is debited without cash being dispensed, that debit should be reversed dash by the bank. Yadi koi khata dharak apne khate se nakdi nikalne ke liye ATM card ka upyog karta hai kintu paisa nikale bina hi uska khata debit ho jata hai toh bank ko aise debit dash ko reverse kar dena chahiye. Yahan par correct answer hoga D within a maximum of T plus 5 days. Adhiktam T plus yani transaction plus paanch dino ke bhitar. Next hai the depositor education and awareness fund can be utilized by RBI. RBI jamakarta shiksha aur jagrukta nidhi ka upyog dash dwara kiya ja sakta hai. Yahan par correct answer hoga A for promotion of depositors interest, jamakartao ke hit ko badava dene ke liye. Next question hai the national centre for financial education has been set up as dash. Vittiya shiksha ke liye rashtriy kendra ki sthapna dash ke rup mein ki gayi hai. Yahan par correct answer hoga C section 8 company, dhara 8 company. Next question hai the national centre for financial education has been set up by dash. Rashtriy vittiya shiksha kendra ki sthapna dash dwara ki gayi hai. Yahan par correct answer hoga C all the financial sector regulators. Sabhi vittiya kshetra niyam ko. Next question hai the delivery of financial education comprises of. Vittiya shiksha ki pradayagi mein shamil hai. Pehla hai Building Skills (kaushal nirman), dusra hai Increasing Knowledge (gyan badhana), tisra hai Developing Understanding (samaj viksit karna), chautha hai Building Confidence (atmavishwas ka nirman). Yahan par correct answer hoga C first, second, third and fourth. Ye charo jo options hain, ye charo jo hain correct hain. Next question hai the feature of good communication do not include dash. Ache sanchar ki visheshataon mein dash shamil nahi hai. Yahan par correct answer hoga A spontaneous reply, tatkshan uttar. Next question hai soft skills do not include. Vyavaharik kaushalon (soft skills) mein shamil nahi hai. Yahan par correct answer hoga A technical knowledge, takniki gyan. To is tarah humne yahan par IIBF basic certification exam mein aane wale 50 questions ko discuss kar chuke hain. Ab yadi aap IIBF BC basic certification exam ke 180 plus important questions and answer ka PDF file download karna chahte hain toh video ke description aur comment box mein PDF download karne ka link diya gaya hai. Wahan se aap purchase karke PDF file download kar sakte hain. Sabhi question aur answer Hindi aur English dono language mein available hai. Is PDF file ke sath aapko online practice karne ke liye mock test bhi milta hai jisse aap apne exam ke liye ache se practice kar sakte hain. Thank you so much for watching this video. Jai Hind.
